The European leader in health insurance who provides the most comprehensive health insurance products for you and your family.  USER GUIDE

The Insurance Product Information Document (IPID) - Summary of covers and what is and is not covered.

These are the different Private Health insurance policies available ;-

     1. Modular -
    2. Integral -
    3. MudiSalud -
    4. Resident - 
    5. Top Health -
    6. Pymes i.e. Small Businesses -
    7. Seleccion (for ANY age inc 75+)


MODULAR :-       Summary Leaflet         Terms & Conditions      Prices - 2022

This policy allows you to take out the health care module that you really need (Primary care, specialist and diagnostic aids, or hospitalisation) or the three together. Health care made to measure.


INTEGRAL :-       Summary of Benefits Leaflet    Terms & Conditions    Prices - 2022      SPECIAL OFFER - Less 36%       

 List of "Co-pagos" - Admin Charges for Services Used  English   German  Spanish              

              
With DKV Integral you decide which doctor to go to and which centre to visit from the DKV network of associated doctors and centres.  Covers Primary Care (General Doctors), Specialists, Dentists, hospitalisation, Accidents & Emergencies, with 4 levels of payments - Complet, Plus, Classic and Elite.


MUNDISALUD :-       Summary Leaflet         Terms & Conditions     Price - 2022    

Complet, Plus, Classic and Elite; four types of policy with the same coverage and benefits, but with specific terms adjusted to the needs of the insurer.  Chose ANY doctor you wish and get up to 90% of invoices refunded.



RESIDENT :-       Summary Leaflet         Terms & Conditions      Prices - 2022

Specifically for foreign residents in Spain. Guarantees quality health care to older people. 100% of Medical Expenses reimbursed.




TOP HEALTH :-       Summary Leaflet         Terms & Conditions      Prices - 2022

The only health insurance policy that refunds 100% of my expenses. Anywhere in the world. Because there are people who wish to put neither limits nor barriers on their health.


PYMES (Small Businesses) :-       Summary Leaflet         Terms & Conditions       Prices - 2022

With DKV Integral you decide which doctor to go to and which centre to visit from the DKV network of associated doctors and centres.  Covers Primary Care (General Doctors), Specialists, Dentists, hospitalisation, Accidents & Emergencies, with 4 levels of payments - Classic and Elite levels of cover.  Policy can be for as few as 3 people, 12 of which must be employed by the company.  As well as the substantial discounts on the premiums, the Company can off-set the cost in their annual tax returns and only 1 month's notice is required to cancel for anybody included on the policy.


SELECCIÓN              Full Details         Terms & Conditions        Prices - 2022     IPID

For ANY age - including people over 75 years if age.
* General medicine: paediatrics & nurse
* Specialities: allergies, digestive system, cardiology, general surgery, gynecology, traumatology & more
* Diagnostics: laboratory test, ultra scans, x-rays, mamograms, smer tests & more
* Medical Hospitalisations & ICU (max 3 days): only for life threatening emergency or accident
* Surgical emergencies and ICU (unlimited)
* Emergencies in Spain and abroad
* 24 hour medical emergencies and ambulances

Read about the 10 Reasons to choose DKV